Despite the potential benefits that online banking offers consumers, it has low adoption rate. We systematically review online banking adoption literature to propose two research models of factors affecting pre-adoption and post-adoption of the online banking. To test our proposed models, we applied a two-stage random-effects meta-analytic structural equation modeling method to data collected f...

In this study, the author compares the supply-demand mismatch of retail banking services and the changing patterns in Illinois and New York from 1982 to 2007 amid fundamental banking transformation and geographical deregulation. The study uses measures of concentration like the Herfindahl-Herschman Index (HHI) and the E-Index. The study finds that the traditionally unit banking Illinois has nar...

Pakistan banking sector has gone through tremendous technological changes and launched Online banking Information System (OBIS). However, the literature reports that users are uncertain and indecisive to accept and use the system. Therefore, it generates interest for further research to explore the factors behind users’ reluctance to accept and use OBIS. The literature suggests that there is li...

In the retail banking context, convergence of technologies has given birth to different channels of distribution like Automatic Teller machines (ATM), internet banking, and mobile banking. This enables the customer to avail the banking services at any time and any where. These technological interfaces are known as self service technologies (SSTs). Customers availing banking services through the...

Banks have moved towards technology-based customer services such as mobile banking (m-banking); as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper customers’ adoption in Egypt. Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the form of 350 structured qu...

This paper aims to identify empirically the factors influencing the intention to use Internet Banking in Tunisia. The impact of perceived usefulness, perceived ease of use, awareness, social norm, security and privacy, and computer self efficacy on intention to use Internet banking is tested through structural equation modelling techniques. The 284 self-administrated questionnaires were collect...

Adoption of online banking has been studied in detail with respect to theories of consumer behavior, yet the adoption of Internet banking still provides an attractive area of research. A new wave of research supports the importance of understanding consumer behavior within the perspective of resistance, and attempts to address the theoretical knowledge gap between technology acceptance and adop...

This paper studies the influence of bank market concentration, regulation, and institutions on the real effects of 68 systemic banking crises in 54 countries over the 1980-2000 period. We find that less stringent restrictions on non-traditional bank activities and on the mixing of banking and commerce have a negative effect on economic growth during normal periods but mitigate the negative effe...

Today, e-banking is used as a strategic tool by the global banking sector to attract and retain customers. The present paper is the outcome of an empirical study conducted with the objective of investigating bankers’ views regarding ebanking. It covers bankers’ perspectives on e-banking activities of respondents, impact of e-banking and promotional measures used by banks to promote ebanking. Th...

Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet ban...